"My biggest hardship has been to raise capital inorder to boost my business because I don't have enough stock in my shop and I do loose alot of customers because of this."

"The biggest hardship that I have faced in life is when may business closed down. I made huge losses and this impacted negatively on my income."

"My proudest achievement is that I have been able to build a kitchen and a new house. I was able to do this through the little money that I had saved in our local table banking group."

"Our proudest achievement is that we have been able to build our own house from the little income that we get from quarrying."

"The biggest hardship that I have faced in life is when my wife passed on and left me with me children to take care of. Life hasn't been easy for me because I have to perform other motherly duties."

"The biggest hardship that I face in my life is in terms of school fees for my kids as my income is very low and my kid has been sent home because she has not paid Ksh. 375 of which I am not able to raise at the moment. My husband also went back to school so that he can finish secondary school so I am left to serve as the breadwinner for the entire family."

"The biggest hardship that I face in my life is that during dry seasons like in the month of February, getting food is a challenge and because I am not able to dig my farm and this makes me go may be a day without a meal."

"The biggest hardship that I face in my life is that our source of income is unstable and as we have three kids in secondary school this makes it tough on us as at the same time we need money to buy food hence it is a big challenge."

"The achievement I am proudest of is that I have managed to do casual labor in the quarry where stones are being harvested and managed to pay school fees for my kids and one of my children went up to college using my sweat and now he is working."

"The biggest hardship we face is the need to build a house. Our income sources are very limited and we have not been able to build a new bigger house."